1. Credit record: Financial institutions will check the applicant's credit record, including personal credit status, Internet black index score, blacklist status, online loan application record, application platform type, overdue or not, overdue amount, credit card and estimated credit line of online loan and other important data and information. In order to ensure the success of the mortgage application, the borrower can personally check his credit information before applying, just click Query on Xiaoqi Credit Search website and enter relevant information to find it.
2. Income: Banks need borrowers to provide stable income certificates to ensure their ability to repay loans on time. The general requirement for income is that the borrower's monthly income can cover a certain proportion of mortgage repayment.
3. Down payment ratio: Under normal circumstances, buyers need to pay a certain down payment to apply for a mortgage. The down payment ratio will vary according to the purchase object (first suite or second suite) and the policy of the city.
4. Buyers: Different banks have different requirements for mortgage targets, such as buying new houses, second-hand houses and commercial real estate. Applicants need to choose suitable banks and loan products according to their own house purchase plans.
5. Personal information: including the borrower's age, marital status and occupational stability. Some banks may be inclined to offer more favorable loan terms to more stable customers.
In addition to the above conditions, it is also necessary to provide a complete purchase contract, real estate license and other related materials. When applying for a mortgage, you must carefully check all the conditions to ensure that you meet the requirements, so as to improve the possibility of successful application.